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Build credit and earn unlimited 1% cash back on every purchase with no annual fee — ideal for growing small businesses with fair credit.
Luana Ribeiro · May 26, 2025 · 3 minutes
The Capital One® Spark® 1% Classic is designed specifically for entrepreneurs who are building or rebuilding their business credit.
With unlimited 1% cash back on all purchases and no annual fee, it offers a solid return for everyday business expenses — with no spending caps or category restrictions.
Earn unlimited 1% cash back on all business purchases — with no categories to track or limits to worry about.
Plus, get 5% cash back on hotels and rental cars booked through Capital One Travel, giving you extra value on business trips.
With no annual fee, the Spark® 1% Classic helps you keep more of your business earnings.
Whether you're just starting out or working on your credit profile, it's a cost-effective way to access flexible financing.
Take control of your business expenses with free digital tools, including year-end summaries, downloadable purchase records for QuickBooks®, and virtual card numbers for safer online shopping.
You can also assign account managers to help you streamline operations.
Enjoy $0 fraud liability, automatic payments, and business-grade support — all backed by Capital One's commitment to secure and efficient service.
The application takes about 10 minutes, with instant decisions in most cases.
To apply, you’ll need your business name, address, TIN, and information about business owners (name, address, SSN).
If you're seeking a reliable card to build business credit and earn consistent rewards, the Spark® 1% Classic is a smart starting point — offering a balance of accessibility, value, and tools tailored to entrepreneurs.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.
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